Could I be schizotypal or have social phobia?

Im sure its social anxiety ,im 20 and nearly exactly the same,i turned into a loner and avoid leaving the house at all costs but if i have to go out ill need a couple of minutes to build up the confidence! doesnt happen too often but if i talk to someone and i think too hard what to say i jumble words up and look like an idiot, i always think people are looking and talking about me (especially neighbors) and think im on drugs. I always want to be alone and stay in my room when deep down im aching to get out and get a life like i used to before i mysteriously developed these problems,i stay up till 4 am till whenever and have sent job applications away but never get a reply :( , i went to a doctor about a year ago and he just looked at me weird and told me to talk to someone lol, but hopefully you will get something a little more helpful, good luck!